New Orleans
Delaying your claim, lowballing your payout, or manufacturing a reason to deny it isn’t just poor service, under Louisiana law, it can be bad faith, and it can cost the insurer real money on top of what they already owed you.
The Voorhies Law Firm holds insurers to that standard.
Bad faith insurance conduct goes beyond an honest coverage dispute.
It typically involves an insurer acting arbitrarily, capriciously, or without probable cause, which can include:
Bad faith isn’t just about being wrong.
Insurers are allowed to dispute claims in good faith.
It’s about being unreasonable, and Louisiana law gives you a real financial remedy when an insurer crosses that line.
Louisiana’s bad faith insurance law changed substantially in 2024, and getting the current framework right matters.
For years, Louisiana bad faith claims relied on two separate statutes, La. R.S. 22:1892 for late payment penalties and La. R.S. 22:1973 for a broader duty of good faith allowing up to twice consequential damages.
Act No. 3 of 2024 repealed 22:1973 entirely and consolidated its core duties into an amended 22:1892 and a new 22:1892.2, effective July 1, 2024.
A significant amount of content online, and some older case law commentary, still describes the pre-2024 framework, which no longer reflects current law.
Under the current framework, if an insurer’s failure to timely pay is found arbitrary, capricious, or without probable cause, penalties generally run 50% of the amount owed or $5,000, whichever is greater, plus attorney fees and costs.
For claims tied to a declared catastrophe, like a hurricane, the minimum attorney fee award for bad faith non-payment increased from $1,000 to $2,500.
One notable change from the 2024 overhaul: insureds and claimants now have their own duty of good faith when submitting claims, and a court can weigh a policyholder’s own conduct when deciding whether to award bad faith penalties.
This makes accurate, well-documented claims more important than ever on both sides.
STEP 1
Free policy and claim review.
Send us your policy, claim file, and any denial or delay correspondence. We’ll assess it at no cost.
STEP 2
Timeline reconstruction.
We map out exactly when you filed, when the insurer responded, and where the delays or shortfalls occurred.
STEP 3
Independent damage assessment.
We work with experts to establish the true value of your claim.
STEP 4
Demand.
We send a detailed bad faith demand documenting the insurer’s specific statutory violations.
STEP 5
Negotiation.
We push for full payment plus applicable penalties and fees.
STEP 6
Filing suit, if needed.
If the insurer still won’t act reasonably, we file suit under the current bad faith framework.
STEP 7
Resolution.
You receive what you’re owed under the policy, plus any penalties and attorney fees the law allows.
We handle bad faith insurance claims involving:
Behind every bad faith claim is someone who did everything right, filed on time, cooperated fully, and got stonewalled anyway.
Louisiana law gives that person real leverage, and we know exactly how to use it.
The Voorhies Law Firm has recovered more than $100 million for clients across the full breadth of our practice.
Results may vary, and bad faith penalties depend heavily on documenting exactly how and when an insurer’s conduct crossed the line.
Louisiana overhauled its bad faith insurance statutes in 2024, and a lot of firms are still citing the old law without realizing it changed.
Richard P. Voorhies III and the team at The Voorhies Law Firm build every bad faith claim around the current framework, not an outdated one.
We’re recognized by Super Lawyers and other legal organizations, but what matters here is precision, getting the current statute right, and documenting exactly where your insurer fell short.
We handle these cases on contingency, so there’s no cost unless we recover for you.
Not automatically, but it can be strong evidence. Louisiana law sets specific deadlines for insurers to adjust and pay claims, and missing them without a good reason can support a bad faith penalty on top of the amount owed.
Yes. Act No. 3 of 2024 repealed the former La. R.S. 22:1973 and consolidated Louisiana’s bad faith framework into an amended 22:1892 and a new 22:1892.2, effective July 1, 2024. If you’ve read older articles describing two separate bad faith statutes, that information is now outdated.
Beyond the amount your insurer already owed you, Louisiana law allows for a penalty, generally 50% of the amount owed or $5,000, whichever is greater, plus attorney fees and costs, when an insurer’s conduct is found arbitrary, capricious, or without probable cause.
It can. Under the current framework, insureds and claimants also owe a duty of good faith, and a court can consider your own conduct. This makes accurate, well-documented claims important on both sides of a bad faith case.
Nothing upfront. We handle these cases on contingency, so we only get paid if we recover for you.
